Financial Highlights

Financial Highlights
2019 FQ3
9/30/2019
2018 FQ3
9/30/2018
Y-Y Ch (%)
2019 FQ2
6/30/2019
Q-Q Ch (%)†
Balance Sheet ($000)
Total Assets 1,112,219 1,027,440 8.25 1,094,260 6.56
Total Net Loans 924,536 846,993 9.16 910,506 6.16
Total Deposits 893,688 809,128 10.45 875,622 8.25
Equity Attributable to Parent Company 124,857 116,547 7.13 122,617 7.31
Total Equity 124,857 116,547 7.13 122,617 7.31
Profitability (%)
Net Income($000) 1,841 1,026 79.43 1,723 27.39
Net Income Attributable to Parent($000) 1,841 1,026 79.43 1,723 27.39
ROAA 0.66 0.41 25 bp 0.62 4 bp
Core ROAA 0.71 0.48 23 bp 0.67 4 bp
ROAE 5.97 3.55 242 bp 5.72 25 bp
ROATCE 7.08 4.60 248 bp 6.87 21 bp
Core ROAE 6.39 4.09 230 bp 6.17 22 bp
Net Interest Margin 3.47 3.57 (10) bp 3.28 19 bp
Reported: Net Interest Margin 3.45 3.57 (12) bp 3.29 16 bp
Efficiency Ratio 66.86 79.61 (1,275) bp 74.78 (792) bp
Noninterest Inc/ Operating Rev 11.72 10.75 97 bp 13.27 (155) bp
Balance Sheet Ratios (%)
Loans/ Deposits 104.26 105.58 (132) bp 104.77 (51) bp
Securities/ Assets 7.86 8.56 (70) bp 8.04 (18) bp
Total Equity/ Total Assets 11.23 11.34 (11) bp 11.21 2 bp
Tangible Equity/ Tangible Assets 10.25 10.23 2 bp 10.20 5 bp
Tang Common Equity/ Tang Assets 10.25 10.23 2 bp 10.20 5 bp
Asset Quality (%)
NPAs/ Assets 1.16 1.20 (4) bp 1.08 8 bp
NPA Excl Restructured/ Assets 0.84 0.77 7 bp 0.71 13 bp
NPAs & 90+ PD/ Assets 1.16 1.20 (4) bp 1.08 8 bp
NPAs/ Loans & REO 1.38 1.43 (5) bp 1.28 10 bp
Nonaccrual & 90+ & OREO/ Assets 0.84 0.77 7 bp 0.71 13 bp
NPAs & 90+ PD/ Loans & REO 1.38 1.43 (5) bp 1.28 10 bp
NPA & Loans 90+/ Tangible Common Equity + LLR 10.71 11.06 (35) bp 10 71 bp
NCOs/ Avg Loans 0.21 0.16 5 bp 0.19 2 bp
Loan Loss Reserves/ Gross Loans 0.80 0.85 (5) bp 0.81 (1) bp
Reserves/ NPAs 58.16 59.33 (117) bp 63.43 (527) bp
Loan Loss Provision/ NCO 103.34 151.94 (4,860) bp 14.06 8,928 bp
Per Share Information ($)
Common Shares Outstanding(actual) 13,334,302 13,238,716 0.72 13,332,484 0.05
Avg Diluted Shares(actual) 13,132,459 13,142,549 (0.08) 13,104,943 0.84
Basic Book Value per Share 9.36 8.80 6.36 9.20 6.96
Book Value per Share, As Reported 9.36 8.80 6.36 9.20 6.96
Basic Tangible Book Value per Share 8.46 7.84 7.91 8.28 8.70
Tangible Book Value per Share, As Reported 8.49 7.88 7.74 8.31 8.66
Common Dividends Declared per Share 0 0 0 0 0
EPS after Extra 0.14 0.08 75 0.13 30.77
EPS after Extra Growth(%) 75 14.30 6,071 bp 85.70 (1,071) bp
Core EPS 0.15 0.09 66.67 0.14 28.57
Core EPS Growth(%) 62.70 (0.50) 6,319 bp 71.60 (888) bp
Diluted EPS before Amortization 0.15 0.10 50 0.14 28.57
Pre-Provision Earnings per Share 0.17 0.11 54.55 0.13 123.08

   Q-Q Ch(%)= most recent quarter minus prior quarter annualized e.g. [(Q4-Q3)/Q3]*4

  * Percentages presented for individual quarters are annualized by taking the quarter amount and multiplying by four.


Data shown on this page is extracted directly from the company’s documents. S&P makes every effort to line up fields, captions and headers that represent the same data over time, despite variations in how the company may report these items in different documents. In certain instances the variation in the company’s presentation over time may be too significant, potentially resulting in repeating and/or disordered items. Despite possible issues with the presentation, S&P, as always, stands by its commitment to the quality of the data.

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